Table of Contents

💰 Cash Benefits (Baby Bonus)

1st Child: $20,000 ($11,000 + $9,000) 2nd Child: $23,000 ($11,000 + $12,000) 3rd/4th Child: $38,000 ($13,000 + $19,000 + $6,000) 5th Child & Beyond: $44,000 ($13,000 + $25,000 + $6,000)

*Families with three or more children receive an additional $1,000 top-up via LifeSG each year, up to $6,000 total (until the child turns 6).

🏥 MediSave Grant & Grant & Health Coverage (MediShield Life)

CPF MA Top-up: $5,000–$10,000 (can be used for MediShield premiums, vaccinations, outpatient visits, and hospitalisation)

MediShield Life Insurance: Provides lifelong hospitalisation coverage from birth, including congenital and neonatal conditions, based on subsidised public hospital treatment rates.

*Families with three or more children also receive an extra $5,000 MediSave grant (credited to the mother’s CPF MA).

🚼 Vaccinations & Developmental Screenings

Vaccination Subsidies: Children eligible for nationally recommended vaccinations receive up to 100% subsidy at polyclinics or CHAS-participating GP clinics.

Developmental Screenings: Eligible Singapore Citizen (SC) and Permanent Resident (PR) children can receive full or partial subsidies for seven key developmental screenings.

🍼 Maternity & Paternity Leave Reimbursements

Maternity Leave: 16 weeks paid leave, with 8 weeks (or full 16 weeks for 3rd child and beyond) reimbursed by the government (up to $2,500/week)

Paternity Leave: 4 weeks paid leave fully reimbursed by the government (up to $2,500/week)

Shared Parental Leave: Up to 6 weeks reimbursed by the government (to increase to 10 weeks from April 2026, up to $2,500/week)

*Employers are not required to pay beyond the $2,500/week reimbursement cap, but may choose to top up voluntarily.

🏫 Preschool Subsidies

Infant Care (2–18 months): Subsidies from $600 to $1,310/month Childcare (18 months–6 years): Subsidies from $300 to $767/month

*Available to working mothers, based on household income.

📑 Personal Income Tax Reliefs

Working Mother’s Child Relief (WMCR): $8,000/$10,000/$12,000 annually for the 1st/2nd/3rd+ child Parenthood Tax Rebate (PTR): $5,000/$10,000/$20,000 (one-time, per child tier) Qualifying Child Relief (QCR): $4,000/year Grandparent Caregiver Relief: $3,000/year

*Based on an income tax rate of 11.5% (for annual income $80K–$120K), the first year’s tax savings could range from $2,300 to $4,485.

🧹 Foreign Domestic Worker Levy Concession

Levy Reduced from $300/month to $60/month

*For families with at least one child under 16 years old.

🇸🇬 Small Perks from SG60 & LifeSG

SG60 Baby Gift: Symbolic keepsake LifeSG Parenthood Support Grant: $500 (available for babies born in 2025, to be disbursed in 2026)

---

🙋🏻 Can Government Benefits Cover Basic Healthcare and Preschool Costs?

Assuming parents opt for public institutions and qualify for means-tested subsidies：

🏥 Basic Hospitalisation Insurance

Public A Ward IP Plan: ~$2,100 over 7 years (assuming $300/year premium, fully payable via CPF)

✅ Covered by MediSave top-ups

👩🏼‍🍼 Basic Infant and Childcare Costs

Infant Care (5–18 months): $560–$10,444 total (after subsidy, $40–$746/month for 14 months) Childcare (Preschool to K2): $162–$21,438 total (after subsidy, $3–$397/month over 4.5 years)

Total Estimated Cost: $722 – $31,882

✅ For families with 3 or more children, Baby Bonus may fully cover these costs. For 1st or 2nd child, benefits can cover all or part of the costs depending on household income.